Your future debt-free self will be grateful for the choice you made.
Graduating with $100,000 or so in student loans (if you could even take out that amount in loans) would handcuff your life decisions for 20+ years after graduation. The large payments you would have to make to cover the your undergraduate loans would interfere with every adult decision you make – it would mean you probably couldn’t take that amazing job at a start-up for less pay, get that new car, take a nice vacation, go to grad school if you choose, get the home you want etc.
Your hard work throughout HS has earned you a wonderful opportunity at UA. Go forth and make the most of your college experience.